Hawaii FTA License Suspension & Insurance After Court
Hawaii requires 40/80/20 liability coverage and is a no-fault state.
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Hawaii at a Glance
40/80/20
Minimum liability limits, in thousands of dollars (per person / per accident / property)
No-fault
Each driver's own policy pays their injuries first, whoever caused the crash
Required
PIP coverage must be on every policy
Source: state DMV, insurance department and statute records, verified July 2026
Minimum Coverage Requirements in Hawaii
Hawaii operates under a no-fault insurance system, meaning your own Personal Injury Protection (PIP) coverage pays your medical bills regardless of who caused the accident. The state requires proof of insurance at registration and during traffic stops. An FTA suspension for missing a traffic court date blocks reinstatement until the bench warrant is recalled and the underlying citation is resolved—the Hawaii District Court handles most FTA holds, not the DMV.
Bodily Injury Liability
Property Damage Liability
Personal Injury Protection (PIP)
Uninsured Motorist Coverage
SR-22 Certificate (If Underlying Citation Requires)
What Drivers Pay in Hawaii
$217–$383/mo
Typical monthly rate in Hawaii, high-risk drivers after a DUI
Rate data: ValuePenguin and Insurify, 2026
Get Back on the Road After a Missed Court Date
Get My Post-FTA Insurance QuoteIf your license is suspended
Ignition Interlock Permit (IIP); Employee Driver Permit variant
A restricted license is available while suspended.
A coverage lapse is reported
The state can act when your insurance lapses.
Source: state DMV, insurance department and statute records, verified July 2026
Frequently Asked Questions
What happens if I missed a traffic court date in Hawaii and my license is suspended?
Hawaii District Court issues a bench warrant and places an FTA hold on your license through the DMV. You cannot reinstate your license until the warrant is recalled and the underlying citation is resolved. Walk into the court that issued the citation and request a warrant recall hearing—most courts allow this without arrest if you appear voluntarily. Once the citation is paid or resolved, the court notifies the DMV to release the FTA hold.
Do I need SR-22 insurance after an FTA suspension in Hawaii?
Only if the underlying citation requires it. An FTA for a speeding ticket or parking violation does not require SR-22. An FTA for uninsured driving, reckless driving, DUI, or license-related offenses requires SR-22 filing for 3 years after the conviction date. The court will specify this at your appearance.
Coverage Types
Post-FTA Reinstatement Insurance
Standard carriers may reject applicants with recent FTA suspensions if the underlying citation involved uninsured driving or reckless behavior. Non-standard carriers write policies immediately after reinstatement.
SR-22 If Underlying Citation Requires
An SR-22 is a certificate filed by your carrier proving continuous coverage. Required only if the missed court date involved certain violations—uninsured driving, DUI, reckless driving, or license-related offenses.
Minimum Liability Compliance
Hawaii's 20/40/10 minimum is legally sufficient but financially inadequate. Property damage claims in urban areas frequently exceed $10,000.
Uninsured Motorist Coverage
Covers you when hit by a driver with no insurance or inadequate coverage. Must be rejected in writing at policy inception or it is automatically added in Hawaii.
Standard Auto Coverage Post-Reinstatement
If your FTA originated from a non-moving violation like parking tickets or equipment failures, standard carriers will insure you at normal rates after reinstatement.